Hi all, over 6 long years have passed since the start of our IVA, we completed in Jan this year [:D]. Credit files are starting to look a little normal but I have one problem that I could do with some suggestions/help with. My IVA started in 2006, in 2007 my mobile was hacked and I ended up with a b...

Well after nearly 5 1/2 years I now have a completion certificate (well more of a letter really!). Huge weight off our shoulders, not having to worry about accounting for every penny earned [:D] Now that its completed Im trying to have my credit files updated. About 7 creditors haven't listed the ac...

Hi all, posted a couple of weeks ago about 59th payment. Well I've had valuations completed and one shows negative equity and one shows less than £5k equity. I sent this along with mortgage balance to my IP as they requested. I've tried to speak with my relationship adviser 4 times over the last 10 ...

Thanks for the replies guys, I'm going to try and speak to them tomorrow. I'm with Freeman Jones. Not sure what rep they have?

I've made 59 payments (hard work but hopefully worth it) I have an equity release clause in year 4 but haven't been able to remortgage and the equity isn't what it was. My IP hasn't mentioned what will happen after 60th payment, I looked at the original proposal and the amendments, one states that t...

Hi, I'm 8 months into an IVA. Payments are £215 pcm with £9k lump sum in final year the proposed div is 0.40p/£ Fees are £2700+Vat for nominees & £4450+Vat (Pro rata) for Supervisors fees Total original debt was £33k. I thinking of a re-mortgage to end IVA early and would be interested in your thoug...